The Benefits of Membership

From managing liquidity to earning higher dividends, using your membership benefits both your balance sheet and your community.

Use your borrowing capacity to access same-day liquidity

Flexible and reliable advances can be used for efficient balance sheet management, plus discounts now apply on certain advances.
Letters of credit provide public deposit collateralization and free-up high-quality liquid assets.
Running a test transaction supports your business continuity and regulatory expectations.

Sub-class dividend structure may earn higher dividends

Activity stock for use of advances and letters of credit may be subject to a higher dividend, rewarding you more for your utilization of our products.
Increased dividends further lower potential net borrowing cost with us.

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More funds for housing and community grant programs

Increased usage of our products could result in more funding available for housing and economic development grants.
FHLBank Affordable Housing Programs (AHP) are one of the largest sources of private sector grants for housing and community development in the country.

Talk to Us

To learn more about how FHLBank San Francisco products can benefit your business and community, please contact your Relationship Manager or the Member Services Desk at (415) 616-2500.